Michelle Garcia - Luxury Realtor with Century 21 Executive Team

08/08/2026

Check my tour and let me know what you think!

Welcome to the ultimate Florida lifestyle in the highly sought-after 55+ golf course community of Brookridge! This well maintained 2-bedroom, 2-bath home offers the perfect blend of comfort, functionality, and low maintenance living. Inside, you’ll find a spacious layout with bright living areas, ...

08/08/2026

Ready to take a closer look at this home? Contact me for details.

Virtually Staged. Welcome to this beautifully updated 4-bedroom, 2.5-bath home located in the highly desirable North Bay Hills community of Safety Harbor. Offering over 2,100 square feet of living space, this two-story residence combines modern updates, spacious living areas, and an unbeatable locat...

08/07/2026

Price updated - Give this home a look! You might just fall in love.

Virtually Staged. Welcome to modern Tampa living in this stunning 2021-built home offering over 2,500 square feet of thoughtfully designed living space in the heart of Town 'N' Country. Combining contemporary style with everyday functionality, this spacious 3-bedroom, 3-bath residence features an op...

08/06/2026

Updated price information - Buy this home before it goes off the market! It's a lovely home in ST PETERSBURG.

Virtually Staged. Welcome to this move in ready 3 bedroom, 2 bath pool home in St. Petersburg, offering the perfect blend of comfort, flexibility, and value. Whether you're a first-time homebuyer, investor, or someone looking for extra space, this property checks all the boxes. Step inside to discov...

08/06/2026

Save this: smart money moves for your first month as a homeowner 💛🏡

Closing is done — now let's protect the investment. The stuff nobody hands you a checklist for:

💰 File your homestead exemption (real money, every year)
🛡️ Shop your home insurance — don't just auto-renew
🔧 Start a maintenance fund: about 1% of your home's value a year
🧾 Keep every receipt — improvements raise your tax basis
📋 Get a home warranty for that first year of surprises
🏦 Ask your lender when PMI falls off
🏛️ Appeal your tax assessment if the number looks high

Buying in Tampa soon? I walk every client through all of it — comment MONEY and I'll send my full new-homeowner guide.

08/06/2026

Your long hunt for a home could finally be over. Take a look at this excellent home!

Virtually Staged. Welcome to this beautifully maintained 4-bedroom, 2-bath pool home nestled in the highly sought-after Countryside area of Clearwater. Offering 1,884 square feet of living space, this home combines comfort, functionality, and the Florida lifestyle buyers are searching for. From the....

08/06/2026

Recently repriced - Give this home a look! You might just fall in love.

Virtually Staged. Spacious New Tampa Pool-Ready Home in the Highly Desirable Pebble Creek Community! Welcome home to this beautifully maintained 3-bedroom, 2-bath residence offering over 2,200 square feet of thoughtfully designed living space in one of New Tampa's most established neighborhoods. Wit...

08/05/2026

🏡 Before you start house hunting, ask yourself these 6 questions!

Buying a home is about more than finding the perfect kitchen or backyard. Make sure you're financially prepared by asking yourself:

💰 1. What's my comfortable monthly payment?
Buy what fits your budget—not just what you qualify for.

🏠 2. What will taxes and insurance add?
These costs can significantly impact your monthly payment.

💵 3. What's the real cost beyond the list price?
Think closing costs, inspections, moving expenses, and future maintenance.

🔑 4. How much do I really need for a down payment?
You may not need 20%! Many loan programs offer lower down payment options.

📊 5. Will I need PMI—and should I avoid it?
PMI (Private Mortgage Insurance) is often required on conventional loans when you put down less than 20%. While many buyers see it as a negative, it isn't always a deal breaker. In many cases, paying PMI for a few years can be more affordable than waiting years to save a larger down payment while home prices and interest rates continue to change. Understanding your options with a trusted lender can help you make the decision that's right for you.

❤️ 6. Can I afford this and still enjoy life?
Your home should support your lifestyle—not stretch your budget to the limit.

Buying a home is one of the biggest financial decisions you'll make. A little planning now can save you a lot of stress later!

📩 Thinking about buying? Let's chat and make sure you're starting the process with confidence.

08/04/2026

Things I always tell my clients after they close on their new home 🤍🔑

Closing day is the beginning, not the finish line. So save this list — it's everything I want my people to do the week they get the keys:

1. Make it yours right away — change the locks & codes
2. Meet your home's systems — find the shut-offs
3. Introduce yourself to your neighbors
4. Find your people early — a good handyman changes everything
5. Keep every receipt — future you says thanks
6. First… celebrate. This is a big moment.

Buying in Tampa soon? I don't disappear at the closing table — comment KEYS and I'll send you my full new-homeowner guide + my Tried & True vendor list. 🤍

08/04/2026

Have a quick second? Take a look at this tour I created...

Looking for an affordable rental in the heart of Clearwater? This charming first-floor 1-bedroom, 1-bath condo offers comfort, convenience, and an unbeatable location just minutes from world-famous Clearwater Beach. Inside, you'll find a bright and inviting living area, a functional kitchen featurin...